Thank you. I have a huge aversion to debt, so I hope that it steers me clear of having to spend huge chunks of my life paying things off. Side note: my aversion to debt and my status as being debt free is a weird source of comfort for me. I think about people my age, people I know, who are a hundred thousand and more in debt for their undergrad and, although I don't have a degree (only two out of four years completed at a state school), I am very happy to be where I am. The reason I find it weird is because I haven't actually done anything and I'm taking pride in my inaction. Anyways, I agree with you. Find what you want, and work backwards to get to it. Be upfront about what you want. But when you say you don't have to budget, but just have a good handle on your income and outlays, some would say that that is what budgeting is. But thank you B, I'm inspired to take time and be more upfront and concrete about what it is I want.
Sure, I just meant that I don't think it's necessary to go to the extreme level of detail that a planned budget might. I'm a big picture guy.But when you say you don't have to budget, but just have a good handle on your income and outlays, some would say that that is what budgeting is.